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FICO Integrates 'Buy Now, Pay Later' Into Credit Scores

6/29/2025

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Summary

Story summary

FICO will integrate 'Buy Now, Pay Later' loans into credit scores this fall, affecting millions.
These previously excluded loans are now recognized as vital for assessing creditworthiness.
There are concerns about negative impacts on credit-restrained individuals and the risk of "loan stacking."
Enhanced transparency could lead to better visibility of consumer debt and promote responsible lending.

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Story summary

FICO will integrate 'Buy Now, Pay Later' loans into credit scores this fall, affecting millions.
These previously excluded loans are now recognized as vital for assessing creditworthiness.
There are concerns about negative impacts on credit-restrained individuals and the risk of "loan stacking."
Enhanced transparency could lead to better visibility of consumer debt and promote responsible lending.